Desjardins Car Insurance Review (2026)
Desjardins Insurance: The basics
- Founded: 1900 (126 years in business)
- Parent company: The Desjardins Group
- Underwriting companies: Certas Home and Auto Insurance Company, Desjardins General Insurance Inc.
- Website: www.desjardins.com/on/en/insurance
- Phone number: 1-877-699-9923 (customer service) or 1-877-659-1570 (local agent)
- Availability: Alberta, New Brunswick, Ontario, and Quebec
- Car insurance products: Auto, recreational vehicle, motorcycle, snowmobile, ATV, boat
What does Desjardins car insurance cover?
All Desjardins car insurance policies include coverage required by provincial law that pays for:
- Other drivers’ medical bills and vehicle repairs if you’re found at fault in an accident
- Your own legal costs if you’re sued due to an at-fault accident
- Medical, rehabilitation, attendant care, caregiver, and funeral costs for you and your family regardless of fault
- Income replacement if you’re unable to work due to car accident injuries
- Your own medical bills and vehicle repairs if you’re struck by an uninsured or unidentified at-fault driver
- Additional medical coverage up to your own policy limits if an at-fault driver has insufficient liability coverage
- Repairs to your vehicle if it’s damaged by an identified at-fault driver
* Standard accident benefits may change following an update to Ontario’s mandatory insurance laws in July 2026.
** While Family Protection (Endorsement 44R) isn’t required by law, it’s automatically included in all Desjardins auto policies.
*** DCPD coverage is no longer required by law in Ontario, but you must waive the coverage in writing if you choose to remove it from your policy.
Optional Desjardins car insurance coverages and endorsements
In addition to the core coverage options outlined above, Desjardins allows drivers to customize their policy with a long list of optional endorsements and coverage types.
If you’re not sure which optional coverage is worth the added premium, working with a broker can help you weigh the pros and cons of each endorsement.
Desjardins car insurance discounts
Desjardins offers at least five distinct discounts for auto insurance customers, along with a usage-based insurance program for personalized premiums.
- Auto and home insurance bundling discount: Desjardins customers who purchase property insurance along with car insurance can save 10% on their auto premium along with additional discounts for home, tenant, or condo insurance.
- Online quote discount: If you get your Desjardins quote online, you’ll get a 5% discount on certain coverages.
- Experienced driver discount: Ontario residents who have been continuously insured with the same carrier for at least five years may qualify for up to $500 off their annual premium.
- Multi-vehicle discount: If you’re insuring two or more vehicles, you’ll pay less than you would to insure each vehicle separately.
- Zero violations discount: If you have no driving violations from the past three years, you could save up to 10%.
Desjardins’s usage-based insurance discount: Ajusto
Desjardins’s Ajusto program tracks driving behavior in real time. You’ll receive a one-time activation discount for six months, followed by an adjusted rate based on how you actually drive. Be aware that your rates can increase or decrease when enrolled in Ajusto.
- How it works: Ajusto uses your phone’s GPS technology to collect real-time information about how you drive and send it to Desjardins. After six months and at least 1,000 km, you’ll get a driving score that can either raise or lower your premium.
- What it tracks: The Ajusto app takes speed, acceleration, phone distractions, braking, distance, time of day, and routine trips into account when calculating your score.
- Activation discount: 10%
- Maximum discount: 25%
- Maximum potential penalty: 20%
According to Desjardins, nearly 90% of customers who signed up for Ajusto either maintained their current premium or received a discount.
How much does Desjardins car insurance cost?
For a single driver with a single vehicle in Ontario, car insurance from Desjardins costs an average of $270/month for all perils coverage. A two-car, two-driver household pays an average of $437/month for the same coverage.
Keep in mind that your actual car insurance quotes from Desjardins may be higher or lower depending on the number of vehicles and drivers in your household, as well as:
- Location: Your province’s mandatory insurance requirements, weather patterns, and traffic conditions can all impact the cost of coverage, along with the cost of vehicle repairs in your area.
- Coverage limits: The more coverage on your policy, the more you’ll pay to maintain it.
- Age: Older, more experienced drivers may be eligible for lower rates, especially if they qualify for experience-based discounts.
- Gender: Men and women pay slightly different rates based on statistical risk factors.
- Vehicle: Your vehicle’s make, model, age, condition, and safety rating can all impact your premium. You may also get a discount if you equip your vehicle with a theft recovery device and/or winter tires.
- Driving history: Driving violations, at-fault accidents, insurance claims, and insurance denials can all raise your rates.
Desjardins car insurance cost: Family quotes
Desjardins car insurance quotes for a married couple who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $280/month for mandatory coverage and $455/month for high coverage.
Quotes for Brampton, Ontario brought up Desjardins’s average pricing significantly. Brampton is one of Canada’s leading auto theft hotspots, with over $43 million in theft claims in 2025 alone and a 565% increase in motor vehicle theft between 2017 and 2025 according to the Insurance Bureau of Canada. Because one of our sample vehicles—the Ford F-150—is a common theft target, quotes for this vehicle in Brampton are extremely high.
Other cities facing high auto theft rates and rising car insurance costs include Markham, Oakville, and Richmond Hill, all in the Greater Toronto Area.
Desjardins car insurance cost: Single-driver quotes
Desjardins car insurance quotes for a single 45-year-old male driver with a 2019 Honda Civic Sport averaged between $199/month for mandatory coverage and $275/month for high coverage.
Desjardins car insurance quotes for a single 45-year-old female driver with a 2019 Honda Civic Sport averaged between $212/month for mandatory coverage and $289/month for high coverage. That’s roughly $13 more per month than male drivers, or between 5% and 7% more overall.
Desjardins car insurance cost: Quotes with a driving violation
Desjardins car insurance quotes for a married couple with a single minor speeding violation who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $318/month for mandatory coverage and $526/month for high coverage.
If you receive a minor driving violation while insured with Desjardins, you could see your rate go up by an average of 14–16% at your next policy renewal.
The Desjardins car insurance claims process
To file a car insurance claim with Desjardins, follow the steps outlined below.
- Open your claim: Once danger has passed and you’ve collected all the necessary documentation (such as a police report, photos of vehicle damage, and any other relevant details), you can open a claim online, through the Desjardins Home-Auto mobile app, or by contacting your agent.
- Wait for Desjardins to determine fault: The adjuster will review all the evidence you provided, along with any evidence from other parties such as a police report or the account provided by another driver or witness.
- Choose your repair shop: You can either bring your vehicle to an auto repair shop recommended by Desjardins or to a shop of your own choosing. If you choose a recommended shop, the repair team will send a damage assessment directly to Desjardins; if you choose your own shop, Desjardins will send an appraiser to conduct their own assessment.
- Authorize repairs: Once Desjardins has approved an estimated payout, you can tell the repair shop to start repairs on your vehicle.
- Pay your deductible and receive your payout: If you went with a Desjardins recommended shop, Desjardins will pay the shop directly for any repairs covered by your policy. If you choose your own shop, you’ll receive a cheque that can be paid to the shop. Either way, you’ll pay your deductible to the shop.
When you file any type of car insurance claim with Desjardins, your premium is likely to increase at your next renewal unless you have accident-free protection on your policy and haven’t used it yet. The type and severity of the claim (e.g., at-fault vs. not-at-fault) may determine whether and by how much your premium increases.
You can submit an auto claim online or through the Desjardins app at any time. If you purchased your policy through a Desjardins agent, you can contact your agent to start the claim. You can also call the following numbers for claim support:
- If your policy number starts with F, R, X or Z: 1-855-209-9549
- If your policy number starts with A, C, D or J: 1-888-785-5502
Is Desjardins good for claims?
To get a sense of how satisfied Desjardins customers are with their claims experience, we looked for Reddit discussions on this topic. The verdict: mixed. While some users complained about delays and lowballed settlements, others said their experience was positive.
Desjardins car insurance vs. other providers
Here’s how Desjardins compares to other large car insurance companies in Canada.
* Average monthly premium for an all perils policy for two drivers and two vehicles.
Is Desjardins car insurance right for you?
Residents of Alberta, New Brunswick, Ontario, and Quebec who prefer to buy car insurance from a local agent may get a good deal from Desjardins.
Desjardins also offers good savings potential for households with multiple cars and insurance policies (such as a home or condo policy) and for safe, experienced drivers who’ve been with one insurer for at least 5 years with no accidents or violations. If you have a single car and have switched insurers frequently, you may still get a good offer from Desjardins, but you’ll be missing out on some of the company’s best discounts.
FAQ: Desjardins car insurance
This article is for general information only and is not insurance or legal advice. Examples and any sample quotes or rate ranges are illustrative and do not constitute an offer or guarantee of coverage, price, or eligibility. Actual coverage, discounts, and premiums depend on your individual circumstances and the insurer provider; if there is any discrepancy, your policy and insurer documentation govern. For advice about your situation, speak with one of our licensed insurance professionals.